To get the most from your health plan for a planned hospital stay—with the lowest out-of-pocket cost—follow these steps.
1. Make sure your hospital and doctors are in the BCBSAZ network.
To save money, find out if your hospital and doctors are in our network. Because most hospital care often comes from more than one doctor, for example a surgeon and an anesthesiologist, it’s good to know which are in the network.
To know if your hospital and doctors are in-network:
Check the online provider directory or call BCBSAZ customer service at (602) 864-4115.
Why out-of-network healthcare professionals often cost more:
Out-of-network healthcare professionals are not bound to accept the amount BCBSAZ allows its in-network providers to charge for care. When you see someone out-of-network, you will still owe the difference between the amount they charge and the amount BCBSAZ allows. This is called a “balance bill” (i.e., you’re being billed the balance due over what BCBSAZ will cover), and it can be expensive.
Note: HMO members must use in-network doctors to be covered, except in an emergency.
2. Use the hospital comparison tool:
Log into your BlueNet account to:
- Access the Hospital Quality Comparison Tool
- Get hospital details such as:
- Type of facilities
- Compare costs of procedures
3. Meet with your doctor to coordinate care and prepare for your stay
For many planned hospital stays, there are a lot of things to consider in advance. Your doctor can help you be better prepared for your visit.